This website is based on the personal opinions of one person. It is not intended to tell you what you should or should not do. You must make your own mind up about what is right and appropriate for you in your own situation.

We may provide advertisements and links to other websites which we hope will prove useful to visitors. Those websites may, in return, make a payment to this website. You may consider this leads to some sort of bias in our opinions and recommendations. You should therefore always use your own common sense and carry out your own due diligence to establish what products, or services are right for you.